Same coverage. Real prices.
Sample quotes for a 38-year-old driver in Lancaster, PA, with one 2021 Subaru Outback, $500 collision deductible, and full coverage. Pulled live from carrier rate APIs on the date below.
| Carrier | 6-month premium | Roadside | Rental car | Accident forgive. |
|---|---|---|---|---|
| ErieBest fit | $612 | Included | $50/day | Built-in |
| Travelers | $648 | Add-on $24 | $40/day | Bundle req. |
| Progressive | $671 | Add-on $32 | $30/day | Not avail. |
| Liberty Mutual | $702 | Included | $45/day | After 5 yr |
| Nationwide | $728 | Included | $50/day | Add $48 |
| Allstate | $754 | Included | $35/day | Premium tier |
Rates pulled April 28, 2026. Your actual quote will vary based on driving record, credit, prior coverage, and zip-level loss data. We'll show you all 22 in a single PDF.
Auto coverage, line by line.
Pennsylvania requires only liability + medical benefits. We rarely recommend stopping there. Here's the full menu.
Bodily Injury Liability
Pays the other driver's injury costs if you're at fault. PA minimum is $15K/$30K. We typically recommend $250K/$500K — a single ER visit can clear $80K.
Property Damage Liability
Pays for damage to the other driver's vehicle or property. PA minimum is $5K. With newer cars averaging $42K to replace, $100K is the realistic floor.
Collision + Comprehensive
Repairs your own vehicle from a crash, theft, hail, falling tree, or animal strike. We tune deductibles to your emergency-fund — typically $500 or $1,000.
Uninsured Motorist
Roughly 6% of PA drivers carry no insurance at all. UM/UIM picks up the slack when the at-fault driver has nothing — usually pennies on the dollar to add.
Gap + New-Car Replacement
If your loan exceeds your car's actual cash value, gap coverage settles the balance. New-car replacement upgrades a totaled vehicle to a current-year equivalent.
Rideshare Endorsement
Most personal policies suspend coverage the moment your rideshare app is on. A $9–14/mo endorsement closes that window.
Stack every discount you qualify for.
We layer these automatically. The average household stacks 4–5 of them.
Bundle auto + home
Two or more cars
One annual payment
3+ clean years
3.0 GPA verified
State-approved course